Four priorities when you buy auto insurance

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Motorists need to focus on a few key priorities when choosing an auto insurance solution in Senatobia, MS. At Storey Insurance, we are an insurance provider offering auto insurance coverage.

Here are four priorities when you buy auto insurance. 

Knowing exactly what’s covered under your policy

Vehicle owners need to understand what their policy covers. Unfortunately, motorists sometimes don’t understand the limitations of the auto insurance policy they purchase.

Read the fine print of your policy and make sure that your policy includes all the coverage types you want and need.

Understanding the process for filing a claim

Do your research about the claims process when you buy auto insurance. If you know exactly what to do when filing a claim, you will enjoy less stress and confusion when you experience an automobile accident. 

Evaluating the customer service of insurance providers

Customer service is an important feature to consider when evaluating insurance providers. You want to purchase insurance from an insurance company with customer service representatives who can answer all your questions and meet your needs when you have an issue. 

Being aware of helpful auto insurance policy features

You should be aware of plenty of great auto insurance policy features. These include comprehensive coverage, rental vehicle coverage, and roadside assistance.

You want to ensure that the insurance policy you choose includes all the helpful features you’ll want if you experience an accident. That’s why you need to be aware of available auto insurance features. 

Call us at Storey Insurance for a policy quote today! We provide insurance solutions to consumers in Senatobia, MS. 

Oft Forgotten Commercial Insurance

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At Storey Insurance, we help Senatobia, MS businesses protect their financial security with commercial insurance. In this blog, we address the types of commercial insurance coverage that many companies need but that they do not think about purchasing.

An Immense Variety of Commercial Coverage

Because businesses vary vastly in their needs, commercial insurance evolved to offer many coverage options. Ideally, a business owner sits down with an insurance agent to determine the necessary coverage and then undergoes a policy review annually to account for business changes and growth. During these meetings, we’ve noticed a few coverage types that business owners don’t realize they need out of the more than twenty-five coverage options available.

Commercial Auto Insurance

As businesses grow, their owners often purchase a vehicle devoted to the company. Although they drive this business vehicle only for work, they don’t realize it requires commercial auto coverage. A company needs to add commercial autos as soon as it purchases its first fleet vehicle, not once it owns many fleet vehicles. Although any company with a car needs this coverage, common business types include restaurants that deliver food, catering businesses, construction contractors, plumbers, and electricians.

Glass Insurance

Glass coverage applies to plate glass windows, mirrors, and safety glass. Some clients assume that these items earn protection from the structural coverage on their building, but that covers the foundation, walls, framing, and roof, not the glass. The most common businesses needing this include dance studios, retail shops, and office complexes.

Cyber Liability Coverage

Even businesses that do brisk business online sometimes neglect to tell their insurance agent that fact. They don’t know about cyber liability coverage and how it differs from general liability. As long as a business has a website and communicates online with clients, it needs cyber liability coverage to protect it from financial loss if its website or client database gets hacked.

Contact Storey Insurance Today

Don’t miss out on the commercial insurance your Senatobia, MS business needs. Contact Storey Insurance for an insurance review and update your commercial policy.

Balancing Your Home Insurance Coverage Needs

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Are you looking to buy home insurance from Storey Insurance for your Senatobia, MS house but aren’t sure how to balance your needs? Well, we’re here to help you better understand what’s available and to provide a unique and insightful look into your home insurance protection.

Know Your Options

When picking an insurance policy that makes sense for your needs, consider these types and add as many as you can afford:

  • Dwelling Protection: Coverage A typically covers your main structure and attached items, such as garages or carports.
  • Other Structures Support: This policy type (Coverage B) covers detached buildings on your property, including sheds and garages.
  • Personal Property: Coverage C will protect you from personal property loss, including your furniture, clothing, and electronic items.
  • Loss of Use: When you get Coverage D, you protect yourself if you have to leave a home during repairs, including payments for lodging. 
  • Liability: No home insurance should be without Coverage E, as it helps to pay for lawsuits caused by injuries to other people in your home. 
  • Medical Payments: Adding Coverage F lets you pay for medical expenses for people visiting: it differs from liability because that type protects you from lawsuits.

Calculate Important Rebuilding Factors

Your policy also needs to consider rebuilding costs that might impact you, including your home’s:

  • Total square footage
  • Style and architecture
  • Rooms and bathrooms 
  • Material types
  • Roof style and materials 
  • Trim, fireplaces, and other features 
  • Customized additions to the facility 
  • Costs of local builders and materials

We’re Here to Help 

With the help of our team at Storey Insurance, you can find home insurance policies that make sense for your Senatobia, MS home. Please don’t hesitate to contact us if you’re interested in this process, and we’ll ensure you get the support you need to keep your home safe.

Should you always get auto insurance in Mississippi?

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Owning a car is common for people in the Senatobia, MS area. When you are a car owner here, you will have a convenient way to get around the community and enjoy all that it has to offer. If you buy a car in this region, you need to ensure that you get the right insurance for it as well. There will always be various reasons to get a full auto plan in this area. 

Protect Your Investment

A fundamental reason to always carry auto coverage when you are in this state is so you can protect your investment. If you are going to buy a car, you will be spending a lot of money on an asset that you will want to enjoy for a long time. A full auto plan can help with this, as it will provide support if your car is damaged or stolen. 

Liability Risk Mitigation

An auto insurance plan will also help you to reduce your liability risks. If you are using a car, there will be a chance you could cause an accident when on the road. If this occurs, you will need to cover the damages necessary to remediate. Fortunately, you will have protection through an auto plan, as it will include a provision for liability insurance coverage. 

When you buy a car in the Senatobia, MS area, you will want to know that you are adequately insured. The right coverage will protect your finances and offer peace of mind. If you want to buy a car, you should call our team with Storey Insurance. If you contact our team at Storey Insurance, you will know you get the support needed to build an ideal plan. 

Importance of Including Business Interruption in Commercial Insurance

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In the case of a natural disaster or fire, you could remain closed for some time. If this happens, and you have business interruption insurance, you can receive coverage to help you pay for operating expenses until you open your doors again. At Storey Insurance in Senatobia, MS, we have agents ready to discuss all of your commercial insurance needs.

What Is Business Interruption Insurance?

This type of coverage, also called business income insurance, can help your small business recover from suspended operations. It works in conjunction with commercial liability and property insurance, and you can meet with one of our agents to ensure that you include this in your policy.

Why Do You Need Business Interruption Insurance?

Depending on how your policy is written, business income insurance may cover fixed expenses, including expenses to operate elsewhere while your business location undergoes repairs and restoration. This insurance also compensates you for lost revenue while your business remains closed. Ask your insurance agent how to bundle business interruption with other coverage for peace of mind and economic security.

What Does Business Income Insurance Pay For?

This coverage doesn’t replace commercial property insurance, which pays for physical damages. Instead, it covers lost income while you remain closed for repairs. Depending on your specific policy, business income insurance may also cover lease payments, employee wages, relocation costs, loan payments, and taxes.

Note that business interruption insurance doesn’t cover losses due to earthquakes, flooding, and other events that require a separate policy. Typically, it doesn’t protect your business from losses due to pandemics or other health emergencies.

Contact Storey Insurance in Senatobia, MS, for assistance in setting up business interruption insurance for your business.

How to make your home a safer place to live

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Making your home a safer place to live can mean various things. It can mean making it safer inside or outside. At Storey Insurance in Senatobia, MS, we give our customers the information they need to decide on their home insurance coverage. We are independent insurance agents, which means we work for our customers and can offer more choices. 

Use your door and window locks.

Homes come with door and window locks for a reason. The locks can’t protect you from everything, but they can offer a measure of security. Window locks are the ones that are most often neglected. If you want an open window, ensure it has a safety device that only allows it to be open 6 inches. This allows air in and keeps people out. 

Keep your medication in a safe place.

If you are taking medication, whether prescription or OTC, make sure it is in a place where children or a confused older person can’t reach it, on a very high shelf, or where it can’t become an accidental poisoning issue. Even the most innocuous medication can be poisonous if taken in excess. 

Remove clutter

Clutter can be a trip hazard, and trips are one of the top dangers for injury in the home. Don’t pile things in hallways and on stairs, and make sure that both of these areas have adequate lighting. 

Avoid extension cords

You may not be able to avoid extension cords entirely, but if you must use them, ensure that you don’t run them across areas used as walkways. Tuck them behind furniture or use tape to keep them on the floor. 

When you are ready to discuss your home insurance coverage, call us at Storey Insurance in Senatobia, MS. 

What do I need to know when building an auto insurance plan in Mississippi?

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Anyone that resides in the Senatobia, MS area will want to know that they have proper insurance. For anyone that owns a car, this includes having a proper auto insurance plan. When you select an auto insurance policy in this state, there are various pieces of information you need to know to ensure you build a proper policy. 

State Requirements

One of the factors that you need to know when building an auto insurance plan in Mississippi is the state requirements. Like in other states, those driving a car in Mississippi are obligated to carry liability coverage. In this state, you need to have 25/50/25 coverage. This means you need to have bodily injury coverage of $25,000 per injured person with a $50,000 per incident cap. You also need to have at least $25,000 in property damage coverage. In many cases, having more insurance is beneficial. 

Lender Requirements

It is also important to know what your lender’s requirements are. If you lease a vehicle or have taken out a loan, the lender will require you to carry insurance. This usually includes having a full comprehensive and collision plan with a certain deductible. Understanding these requirements and building a policy that meets them is a good idea. 

When looking for an auto insurance plan in or around Senatobia, MS, you will want to be assured that you are building the right plan for your situation. A great way to do this is by calling our team with Storey Insurance. At Storey Insurance, we understand the complexities of selecting a plan. We can offer you any guidance you need to understand your options and build the correct type of plan. 

How workers compensation insurance can protect you and your employees

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Workers’ compensation insurance from Storey Insurance is a protection that every business should have in place for their employees. It provides financial assistance to cover medical expenses and lost wages should an employee be injured while on the job. This type of insurance covers costs related to illness, disability, or death resulting from workplace accidents or conditions arising from job-related activities here in the Senatobia, MS area.

Having worker’s compensation insurance in place can be a lifesaver for employers and employees alike. It protects both parties from legal liabilities stemming from workplace injuries or illnesses, absolving employers of responsibility with regard to any claims made by an injured employee. In addition, it also helps ensure that injured employees receive the care they need without worrying about out-of-pocket expenses that they might not be able to cover on their own.

For employees, workers comp insurance ensures they are taken care of in case of an accident or injury. No one wants to be left with medical bills due to a workplace injury, and workers’ compensation insurance ensures the employee is covered for these costs regardless of fault. Having this type of safety net in place can provide peace of mind while assuring employees that their employer cares about them and their well-being. 

Having the right worker’s compensation policy in place can make all the difference for employers and employees. Not only does it protect everyone involved from potential legal issues, but it also helps ensure that anyone who gets hurt on the job will have access to quality health care when they need it most.

For more information, give us at Storey Insurance a call today. We are proud to serve the Senatobia, MS area.

Tips to prepare your house for a storm

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Preparing your house for a storm is essential as the weather turns more extreme here in the Senatobia, MS area. Here are some tips from us at Storey Insurance to make sure your home is ready for whatever the elements bring: 

  • Secure outside furniture and items: Make sure to bring any outdoor furniture or items inside that could be blown away or damaged by a storm. Additionally, you should secure any items that can’t be brought inside – such as grills, play sets, and trampolines – to help prevent damage. 
  • Trim trees around the house: Before a storm hits, it’s important to trim any trees near your home that could pose a safety risk during bad weather. Strong winds can cause tree branches to break off and potentially cause damage or injury. 
  • Check the condition of your roof: A strong wind or hail storm can damage roof shingles, so it is important to inspect your roof before bad weather arrives and ensure everything looks in good condition. If you spot any missing shingles or other signs of wear and tear, get them repaired immediately before trouble strikes. 
  • Clean out gutters: Clogged gutters can become overwhelmed in heavy rains, which can lead to water accumulation near the foundation of your home which could potentially cause flooding and other damage. Be sure to clean out all of your gutters before a storm hits — this will help keep water flowing away from your home instead of towards it!

Following these tips ensures your house is adequately prepared for even the worst storms! For more information, give us at Storey Insurance a call today. We are proud to serve the Senatobia, MS area.

Do all drivers in Mississippi need auto insurance?

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Most people in the Senatobia, MS area will want to own a car to ensure they can get around the area. While owning a car is generally a good idea, it does come with some responsibilities. One responsibility to take seriously is the need to get proper auto insurance. All drivers in this part of the state need this type of coverage for various reasons.

Meet Legal Standards

A reason that all drivers in this state need to have an auto insurance plan is so they can meet any legal standards. When driving a car, an auto insurance plan is required as the state obligates all motorists to at least carry a minimum liability insurance plan. With this coverage, you can stay in good standing with such requirements. 

Financial Protection

An auto insurance plan is also a good option as it will provide financial protection. A lot of risks come with owning and driving a car. If you want to cover yourself and your assets, getting auto insurance would be a good idea. This type of coverage will provide the support you need to replace or repair your car in some situations and protect against liability risks. 

When you want to purchase or lease a car in the Senatobia, MS area, you will want to know that you are taking proper precautions and obtaining the necessary insurance. For those looking for coverage here, starting by calling our team with Storey Insurance would be helpful. Our team of professionals with Storey Insurance knows the value of this coverage and can offer any help you need to build a new plan.